It really depends on your insurance co., Auto Owners Ins. doesn't cover asbestos removal, just found out today after my aluminum siding was damaged in hail storm and seen that I had asbestos siding under it and said they don't cover it.
You'll need t check your insurance policy language to be sure, but most homeowners insurance polices in the U.S. these days do not provide coverage for asbestos abatement or related claims arising from asbestos.
You will need to refer to your Home insurance policy language. Alternatively you can ask your Insurance Agent or company representative. Most Home Insurance Policies these days contain specific language that excludes coverage for Asbestos and Asbestos related claims.
Insects, pests, vermin, rodents, etc are basic exclusions of an insurance policy.
Whether home owners' insurance covers tree removal depends on the particular policy you have. Many policies, but not all, will cover removal of a tree that has fallen on a house. However, a tree fallen across a driveway may be a different matter. Read your policy and talk to you insurance agent or representative.
Most home insurance companies will cover the cost of the mold removal. But you need to check your policy with the home insurer so that you will not get any surprises.
No. All homeowners insurance polices in the United States have language that specifically excludes coverage for Asbestos Abatement.
debris removal in terms of an insurance policy is the required amount needed to clean up your lot in case of an insured loss (ie fire) For example if your house burns to the ground, there will still be debris lying around in which there are fees to have it removed, certain insurance policies will cover the debris removal others will not.
No, Your Home insurance policy does not cover the cost of remodeling a home. Your Homeowners Insurance Policy typically provides Property Hazard insurance that covers sudden losses resulting from covered perils such as fire, lightning, wind, hail, theft, vandalism, etc.
There are millions of things that a homeowners insurance policy does not cover. To find out what it does cover just read your policy, anything not on there is not covered.
Lightning Struck TreesIf you have an HO3 all risk policy you may have coverage for Removal of damage shrubbery and trees But Generally No. Most home insurance polices are on Form HO1 and HO2 and will not cover the cost of debris removal unless the felled tree has damaged a covered structure on your property.
If they are not on your policy then they are not covered.
You need to check with your home insurer if the cost for mold damage and restoration is covered because it depends on the policy you have. But most home insurers will cover the cost.